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College student Francois Louis, 20, poses for a photo in Davie, Fla. Louis can’t remember the last time he went to the doctor and gets by on over the counter medication or health remedies whenever he’s sick. He’d love to be able to the doctor and have a check-up, but says it’s just too expensive on his salary of less than $15,000 a year. For millions of unemployed and underemployed twenty-somethings, many who are still living at home in the wake of a recession, health care has been out of reach. Now sweeping federal health laws are promising make coverage more affordable, but the big question remains, will it be affordable enough? (AP Photo/Wilfredo Lee) by Kelli KennedyAssociated Press Writer MIAMI (AP) — Dan Lopez rarely gets sick and hasn’t been to a doctor in 10 years, so buying health insurance feels like a waste of money. Even after the federal health overhaul takes full effect next year, the 24-year-old said he will probably decide to pay the $100 penalty for those who skirt the law’s requirement that all Americans purchase coverage.